Call reports 2009
PIQUA STATE BANK — 2009
What PIQUA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 24,806,000 | 26,901,000 | 27,124,000 | 26,314,000 |
| Total loans | 11,092,000 | 11,377,000 | 11,599,000 | 11,530,000 |
| Allowance for loan losses | 288,000 | 297,000 | 284,000 | 212,000 |
| Securities available for sale | 7,750,000 | 7,723,000 | 7,996,000 | 8,584,000 |
| Securities held to maturity | 3,281,000 | 3,530,000 | 3,438,000 | 3,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,111,000 | 24,227,000 | 24,384,000 | 23,570,000 |
| Interest-bearing deposits | 15,018,000 | 16,361,000 | 16,369,000 | 15,730,000 |
| Noninterest-bearing deposits | 7,093,000 | 7,866,000 | 8,015,000 | 7,840,000 |
| Equity capital | 2,477,000 | 2,465,000 | 2,537,000 | 2,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 311,000 | 611,000 | 911,000 | 1,202,000 |
| Interest expense | 74,000 | 142,000 | 201,000 | 252,000 |
| Net interest income | 237,000 | 469,000 | 710,000 | 950,000 |
| Noninterest income | 32,000 | 79,000 | 119,000 | 156,000 |
| Noninterest expense | 201,000 | 436,000 | 661,000 | 908,000 |
| Provision for loan losses | 13,000 | 38,000 | 38,000 | 38,000 |
| Pretax income | 55,000 | 74,000 | 130,000 | 160,000 |
| Income tax | 13,000 | 10,000 | 14,000 | 22,000 |
| Net income | 42,000 | 64,000 | 116,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,353,000 | 2,375,000 | 2,427,000 | 2,449,000 |
| Total capital | 2,519,000 | 2,549,000 | 2,605,000 | 2,625,000 |
| Risk-weighted assets | 13,133,000 | 13,818,000 | 14,141,000 | 14,070,000 |